Up until the 1960’s, many states had laws that made cities responsible for damage to property caused by riots and looting. They were a part of Eminent Domain laws, known as “reverse condemnation.” By government decision (or indecision), police giving up protecting certain quarters, etc... private property was taken by the mob.
These laws were quite common, generally until Democrats took control of most urban centers by the 1960s.
This is going to change the insurance industry in these dumps (and possibly elsewhere) forever.
A few years back someone in my family was treated for an injury, and the insurance company sent a lot of paperwork seeing if there was any way to sue anyone to recover their costs; I’d expect the same reaction from the insurance companies here.